Blog

Most people believe their financial decisions are driven by logic. Compare the numbers, weigh the pros and cons, and choose the sensible option. In reality, money is emotional long before it is mathematical. The way we save, spend, borrow and invest is shaped by habits formed in childhood, stress responses, social pressure and the shortcuts […]

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December 9, 2025

Craig Upton

If there’s one thing nearly every business owner moans about, it’s waiting to get paid. You deliver the work, you send the invoice, and then you’re stuck refreshing your bank account like a bad habit. Meanwhile, bills don’t wait, staff need paying, and opportunities pass because your cash is tied up in someone else’s bank […]

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December 5, 2025

Craig Upton

If you run a business in the UK right now, you’ve probably felt the financial whiplash of the past few years. Interest rate hikes, stubborn inflation, supply chain weirdness, political changes, and banks that suddenly prefer saying “no” rather than “let’s see what we can do” it’s been a ride. But here’s the interesting part: […]

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December 3, 2025

Craig Upton

Starting a business in the UK isn’t for the faint-hearted. You’ve got the vision, the hustle, and maybe even your first few paying customers. But when it comes to accessing capital? That’s often where things get complicated, fast. If you’ve been turned away by traditional lenders, you’re not alone. Banks tend to avoid startups like […]

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July 28, 2025

Craig Upton

A merchant cash advance (MCA) can feel like a lifeline when your business needs quick funding. It’s fast, flexible, and doesn’t involve the hurdles of a traditional bank loan. But because MCAs are short-term and often come with higher costs, using them wisely is crucial. If you treat an MCA as just a stopgap, it […]

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July 25, 2025

Craig Upton